What Affects Your Car Insurance Premiums? 2
At one time or another, most of us will get at least one traffic violation; some of us will get many more. No matter what the number, you can sort of balance out any traffic violations you have on your record. For instance, taking a course in defensive driving will look very good. It can aid in keeping points off your driving record and it may convince your car insurance company to keep your rates low.
Driving safe in the first place is your best bet, though. There are a lot of car insurance companies which offer discounts for safe drivers. As long as your record has been clean for about five years, you can benefit from this.
Age affects your premiums too. If you are between sixteen and twenty four, you will likely have very high premiums. There are exceptions, especially for students. Males in this age group are even worse off in terms of risk factors, which can increase premiums.